Highest Rated Review by the Community
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Nov 27 '02
Pros: Good Introductory rate
Cons: Customer Service is the pits!
Summary: Credit cards cause mixed reactions from different people, ranging from relief and security to frustration and despair. They can be a real drain on your personal finances, with all the finance charges, over the limit fees, membership fees, etc. They can...
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Jul 27 '11
Pros: None.
Cons: So many problems, so little time!
Summary: Two years ago Capital One hiked my interest rates from 7.9% fixed (a personal card I had fro 10+ years) and 8.9% fixed (a business card I had for 3+ years) to 16.24%Had I made a late payment?No, perfect, on-time payments for 156+ ...
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Jul 26 '11
Pros: no clue-didn't get a chance to use the card at all
Cons: lack of service
lack of empathy
inefficiency to collect all needed information before issuing card
Summary: I was sent a pre-approval for a Capital One unsecured credit card with a limit of $300. I was approved and received my card within 4 business days. I called customer service and activated my card and set a pin number just in case I needed an ...
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Apr 15 '11
Pros: Introductory rate at a teaser rate.
Cons: HIGH interest rates after the introductory rate period is over.
Summary: Most businesses need a revolving credit line to make quick purchases with vendors. Now, I understand the banks were in trouble three years ago. But the Federal Reserve has been printing money, pumping up their reserves. Yet, the banks refuse to lower ...
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Feb 05 '11
Pros: Cute Card Designs
Cons: How much time do you have?
Summary: First of all let me start by saying that I am a college student. When I applied for my Capital One Card, I was under the delusion that credit card companies could do no wrong. I figured that the people that felt any negative way towards them had to ...
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Sep 14 '10
Pros: Interest rate "locked" at the prime rate.
Rewards program available at no fee.
Cons: Customer service stinks.
I keep receiving annoying offers for new cards and credit assurance/monitoring services.
Summary: I have had a CapitalOne PrimeLock MasterCard since 2004. The interest rate is supposedly locked at the prime rate (right now, somewhere around 3.25%) as long as I keep my account in good standing. This card was offered by invitation only (but ...
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May 12 '10
Pros: They honor their customer agreement.
Cons: Their agreement is designed to rip you off, and they'll tell you so without shame.
Summary: Capital One's reputation is terrible, and the list of consumer complaints and lawsuits is long and very easy to look up online. Still, we always pay our balance completely, so we'd never had any trouble with them. Then recently we were ...
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Feb 04 '10
Pros: Better terms than many for transactions abroad.
Cons: They look for ways to hit you up with outragous fees. Lousy customer service.
Summary: I am old enough to remember when charging interest of more than 6% was unlawful usury in NY State. I have always paid my Capital One credit card bill (typically $3-5,000/month) in full and, with rare exceptions, on time. I have often carried ...
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Nov 14 '09
Pros: There is NOTHING positive I can say about this stupid credit card company.
Cons: Horrible customer service, non-english speaking reps, disputes will not be handled properly
Summary: My husband and I researched many credit card companies because we wanted one we could use to bring and use on our honeymoon in Europe. Capital One was the only one that didn't charge international fees so we decided to get one. Much to our dismay, there ...
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May 19 '09
Pros: Both persons I spoke to were very courteous.
Cons: Courteous hassles are still hassles. So much for the "no hassle" credit card.
Summary: A few months ago, I called up the 800 number to Capital One to cancel my Capital One Singature Visa. I explained that I have other credit cards which don't charge annual fees. I was told that I was a good customer (my credit limit was about ...
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Apr 27 '09
Pros: You can book your own travel and then request reimbursement credit.
Cons: Rate at which rewards are applied is very poor. Rigid inflexible rewards rules.
Summary: I am someone who got the Capital One "No Hassle Miles" Card primarily to accrue miles. I use the credit card primarily for big ticket purchases (some personal and some for my small business), and accrue miles fairly rapidly. I always pay my ...
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Mar 31 '09
Pros: Ok if you don't have to call Customer Service.
Cons: Poor customer service.
Summary: My Profile I have had my Visa platinum card with Capital One for over twenty years, have excellent credit and always pay off my charges every month. Before my problems, I had only one (Capital One) credit card and one debit card (at another ...
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Feb 01 '09
Pros: Offers for people needing to build or establish credit. Card Lab.
Cons: Low credit limits, Extremely high interest rates, annual fees, Crappy customer service
Summary: I have two Capital One cards. After several years of paying early and on time I'm still paying annual fees, still have high interest rates and low credit limits. Because of the high interest charges carrying a balance is not possible. Unfortunately I ...
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Jan 30 '09
Pros: Decent interest rates, good website access
Cons: Terrible customer service, can't add rewards to card later
Summary: I have a Platinum Capital One Mastercard. Most of the time, I feel like it's a Stainless Steel version of the card. Their interest rate is average, their credit limit is fairly low, and you can't add rewards later on if you applied for a ...
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Jan 16 '09
Pros: They do accept people with low credit scores.
Cons: Reducing credit limits without notice for overlimit fees. Plus charge monthly or yearly "membership fees".
Summary: I did not have a problem with them until the credit crises when they decided to lower my credit limit without being late, without notice so they could charge me an over limit fee. Do not be a sucker find another credit card company. I am ...
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Dec 02 '08
Pros: I use the card on foreign trips only because other cards charge 3% extra.
Cons: Charges are often refused and cleared only when you call.
Summary: I have a visa business card that has automatic payment so that Capital One automatically takes out full balance from my bank account every month. For the last three months I started seeing some finance charges on the bill and so I called and I was told ...
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